Credit card replacement still means: your credit card is approaching the repayment date. If you are short of money for a while, you can't repay it yourself, and you don't want to make overdue repayment (the consequences of overdue repayment of credit cards are very serious, which will be reflected in your personal credit report), then find someone else to help you repay the loan first, and then brush out the funds in your credit card in other ways later (this step is to cash out the credit card). In this credit card repayment process, the lender will charge a certain fee.

This is risky. Occasionally, it's not a big problem, but many times, the credit card issuing bank will monitor you, and even freeze your credit card and pull you black in serious cases. Therefore, unless absolutely necessary, it is recommended to use it with caution.